Bloomfield, CT · Charter 9184
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.41% | -0.16% | -0.19% | -0.17% | -0.37% | -0.21% | -0.38% | -19 bps | |
| Return on Equity | -6.51% | -5.64% | -2.20% | -2.69% | -2.25% | -5.31% | -2.98% | -5.46% | -277 bps | |
| Net Interest Margin | 2.74% | 2.55% | 2.45% | 2.50% | 2.60% | 2.39% | 2.38% | 2.44% | -6 bps | |
| Efficiency Ratio | 108.17% | 107.34% | 102.79% | 103.82% | 103.54% | 103.52% | 102.75% | 105.34% | +153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.62% | 5.21% | 7.32% | 4.38% | 1.57% | 2.12% | -1.22% | -2.40% | -677 bps | |
| Loan Growth (YoY) | -17.93% | -4.09% | -5.89% | 4.60% | 12.67% | 12.78% | 11.64% | 3.54% | -106 bps | |
| Share Growth (YoY) | 9.27% | 6.18% | 8.40% | 4.85% | 1.89% | 2.45% | -1.12% | -2.17% | -701 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.68% | 0.74% | 0.60% | 0.46% | 0.38% | 0.32% | 1.27% | +67 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.50% | 0.42% | 0.38% | 0.34% | 0.40% | 0.34% | 0.50% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.71% | 7.28% | 7.11% | 7.18% | 7.42% | 6.98% | 7.01% | 7.05% | -13 bps | |
| Net Worth / Assets | 7.71% | 7.28% | 7.11% | 7.18% | 7.42% | 6.98% | 7.01% | 7.05% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.77% | 34.49% | 33.63% | 36.78% | 40.66% | 37.97% | 37.97% | 38.93% | +215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |